Cigna Medicare Supplement Plans 2023


cigna-logoCigna is a global health service company with approximately 70 million customers worldwide, serving people for over 220 years. Cigna Medicare supplement insurance plans are offered by ARLIC and Loyal American which are operating subsidiaries of the Cigna Corporation.

Cigna has released its latest Medicare Supplemental Plan, Cigna Supplemental (Supp) Solutions, insured by The American Retirement Life Insurance Company (ARLIC) to replace or enhance existing Loyal American Insurance in several states.

Cigna Medicare Supplement Insurance Plans 2023

Once you are eligible for Medicare, you have the option to add a Medigap (Supplement) plan to extend your coverage. There are several types of plans available in various states. With many seniors having spouses still under 65, extra benefits are necessary to cover unpaid medical expenses.

ARLIC and Loyal American Plan Advantages

When you sign up for ARLIC Cigna, you have the option of applying for Loyal’s lump sum benefits. Loyal’s affordable Cancer and Heart Attack & Stroke Insurance offers a low cost for extra Medicare coverage with a lump sum benefit of $5,000 to $50,000.

Unlike other insurance carriers, Loyal’s Cancer and Heart Attack & Stroke Insurance covers individuals up to age 80. This can make a huge difference when you get hit with large medical bills. Loyal also offers Cash Advantage Critical Illness Insurance and Hospital/Surgical Fixed Indemnity Insurance.

Statewide and Regional Coverage

ARLIC Cigna Medicare Supplement plans are available in a number of states, including AL, IA, KY, LA, MS, MT, NM, NV, OK, WV, SC and SD.

Loyal American Medicare supplement plans are available in Alaska, Idaho, Maine, Michigan, Minnesota, New Jersey, Oregon, Vermont, Washington, Washington D.C., and Wisconsin.

What You Need to Know About Cigna Medicare Supplement Plans

You cannot be singled out for a rate increase based on your health, no matter how many times you receive benefits. The policy’s rate structure is based on attained age (except in AZ, AR, FL, GA, and MO where the policy rate structure is based on issue age, and premiums can only be increased by class).

Other than increases due to your age, your premium will only change when:

  • the same premium change is made on the same form issued to persons of your classification in the same geographic area of your state
  • if coverage under Medicare changes
  • if you move to a different zip code location

Exclusions and Limitations

Not all plans are available in all states. Check your state’s outline of coverage for availability. The combined benefits of ARLIC or Loyal American Supplement Policies with Medicare coverage will not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred.

Any expenses sustained relating to a pre-existing condition will not be covered for the first six months (6) starting from the effective date of coverage (90 days in Wyoming).

Cell PhoneTo start an application today, contact one of our Personal Benefits Manager at 1-800-913-3416, or choose an available time for a phone or screen-share meeting. Our professional and knowledgeable Personal Benefits Manager can assist you with choosing the best plan that meets your personal needs and has the lowest rate, plus answer any questions you may have–free of charge. Give us a call.  We’d love to help! You can also get a free instant quote.

Cigna Frequently Asked Questions

faq icon

What Medigap plans does Cigna sell?

Cigna has a relatively limited menu of Medicare supplement plans. But they do sell the most popular plans, including Plans A, F, G, and N. They also sell the high-deductible version of Plan G.

faq icon

What states does Cigna Medigap operate in?

Cigna operates in all states except Massachusetts and New York. They also operate in the District of Columbia. 

However, you can still use your Medicare supplement benefits in Massachusetts and New York at any doctor or provider who takes Medicare patients.

faq icon

Are other benefits available to Cigna Medicare supplement enrollees?

Cigna allows Medigap enrollees access to their Healthy Rewards Program, which provides discounts for healthy lifestyles and choices.

They also provide access to a nurse-staffed 24-hour health information line.

By Whitney Kline – Updated Feb 20, 2023
Reviewed by Mike Montes
Fact checked by Wiley Long

Cigna Medicare Supplement Reviews

Note: Your email will not be displayed – for verification purposes only

Rated 4 out of 5
4 out of 5 stars (based on 3 reviews)
5 star34%
4 star33%
3 star33%
2 star0%
1 star0%

Nice extras.

Rated 4 out of 5
January 27, 2023

I like Cigna because unlike a lot of Medigap plans you can get some extra discounts and services with Cigna. I use the Healthy Rewards program a lot, which gives a 30% discount on Jenny Craig weight loss, a 25% discount at my chiropractor, and a even a small discount on my gym membership. It’s only 10% but I’ll take it. I get a discount at Pearle vision for glasses too but I haven’t used that yet.

It’s more expensive than some medigap plans I looked at but if you take advantage of the Healthy Rewards discounts it evens out and I even come out ahead.

Prudence E

Highly recommended!

Rated 5 out of 5
December 2, 2022

I’ve been with Cigna Medicare Supplement for two years, so far.

Pros: 1. No “care networks.” I can see any doctor who takes Medicare. 2. I can use my plan out of state. I travel a lot still – even more since I retired, and I know I can use my Medigap benefits anywhere in the country. 3. Foreign travel benefits. I go to Canada every few to visit family, as well, and I can use my plan there though they only cover 80% out of the country. But without them I’d have zero coverage.

Cons: 1. They don’t cover dental or vision. 2. They don’t cover prescription drugs. But you can mitigate that by buying separate vision and dental, and a separate prescription drug plan. 3. Cost. I know there are some Medicare Advantage plans that have a zero premium. But you get what you pay for. And when I looked at the coverage,

Sadie B

Good insurance, bad communication

Rated 3 out of 5
October 20, 2022

I had to go see a spine care specialist and told them I have a Cigna Medigap plan. They said I just had to pay my Part B deductible, which was $233. So I paid it up front. But then I got another bill that said I still owe the same $233 Part B deductible?

Still on hold with Cigna trying to figure it out.

Loretta T